<ARTICLE> 9
<LEGEND>
THIS SCHEDULE OF FINANCIAL INFORMATION IS EXTRACTED FROM THE MARCH 31,1999
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          13,815
<INT-BEARING-DEPOSITS>                          14,130
<FED-FUNDS-SOLD>                                 2,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    130,305
<INVESTMENTS-CARRYING>                          27,471
<INVESTMENTS-MARKET>                            27,821
<LOANS>                                        252,424
<ALLOWANCE>                                      2,849
<TOTAL-ASSETS>                                 452,274
<DEPOSITS>                                     388,195
<SHORT-TERM>                                       127
<LIABILITIES-OTHER>                              4,665
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,482
<OTHER-SE>                                      49,805
<TOTAL-LIABILITIES-AND-EQUITY>                 452,274
<INTEREST-LOAN>                                  5,535
<INTEREST-INVEST>                                2,472
<INTEREST-OTHER>                                    82
<INTEREST-TOTAL>                                 8,089
<INTEREST-DEPOSIT>                               3,434
<INTEREST-EXPENSE>                               3,436
<INTEREST-INCOME-NET>                            4,653
<LOAN-LOSSES>                                      232
<SECURITIES-GAINS>                                  20
<EXPENSE-OTHER>                                  2,926
<INCOME-PRETAX>                                  2,261
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,679
<EPS-PRIMARY>                                      .44
<EPS-DILUTED>                                      .44
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0